Financial people all over the place recommend that you don’t get them, but supposed there is another option to “just say no”.

Say instead “Hmmm… how much is it?”
The sales person says something like “$89.95.”

Then instead of saying yes, you say “I don’t think so…”
And as soon as you’re out the store you write a check for your SAVINGS account for 90 bucks.

You’re going to end up doing exactly what the store will do with your money. You’re going to make interest on it and hope something doesn’t break. (And in the cases of some stores, they hope something doesn’t break before the receipt fades completely away.)

If nothing breaks, you’ve got the 90 bucks PLUS INTEREST.
If something does break, chances are it’s going to be less than your savings to repair or replace it.

OK, so there is a little risk. But if you put money in YOUR savings account every time somebody tries to sell you a service plan or extended warranty, the odds are very good that you’ll have enough in your savings to cover almost any eventuality.

OK, this is simple stuff that everybody should already know.
But stuff that in the stress of Black Friday shopping, it’s easy to forget.